Tag: movie

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

It’s the holiday season, so this movie claim Monday is going to be on a fun Christmas movie: The Santa Claus. I personally prefer the second Santa Claus movie, but I digress. Because this move came out over 20 years ago, I shouldn’t be spoiling it for anyone. So here we go!

Let’s start with where the action really starts—Santa falling off the roof. Does Santa have life insurance? I sure hope so! His profession, while fun, seems awful dangerous.

And from that same scene, who is at fault? I mean, while it is Scott Calvin (played by Tim Allen) who startles Santa causing him to slip and fall (which happens quite often as a homeowner’s claim), Santa is technically trespassing on private property.

The next one I noticed is a bit later on when the naughty and nice list gets delivered to the new Santa’s home. He just leaves the door open for the delivery driver, and it stays open after the driver has left. What happens if one of those boxes was stolen? Could the naughty/nice list be considered valuable papers? If so does he need to schedule them for to be covered properly?

Last, Charlie’s (Santa’s son) “disappearance”. Yes, we as the audience know that he went with Santa to the north pole, but his mom doesn’t know that. She believe he was kidnapped. She might have been more prepared if she had kidnap insurance (yes, that is a real thing!). Just saying.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

For this month’s movie claim Monday we wanted to share a list of actors injured on set. On site job injuries are usually paid through the company workers comp policy. This list does not specify if a claim was made or of any kind of pay out. We just imagine these instances would be covered losses.

Sometimes, the show really must go on. They may play larger-than-life characters on screen, but actors are human and sometimes get the short end of the stick when it comes to on-set injuries. Here are 19 times where big stars were in the wrong place at the wrong time. 1.

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

Our movie today is Fast Five. As the eighth installment of this series just came out, we shouldn’t be spoiling the plotline for you. The scene we are looking at is where the team (specifically Dom and Brian steal a large safe (bank vault) by attaching it to the back of their Dodge Chargers and cause massive damage during a very intense police chase. So here is where our insurance minds took us:

-The special upgrades on the Chargers are pretty awesome. Hopefully they notified their insurance carrier of those upgrades—they can be covered by comprehensive or collision if they are noted on the policy.

-Surprisingly, the only human injuries seem to be to the drug dealing cops, so that’s less liability to worry about.

-Speaking of liability, I sure hope they have super high limits with a huge umbrella policy. The damage done to buildings (like the bank) and all the other little structures would be millions in damage. I would venture they needed a $10 million umbrella for that kind of stuff.

-But, by far the biggest issue is that they are in Brazil. So unless they have an insurance policy for Brazil, it won’t be covered by any policy in the US. But they make millions off this particular situation, so they can just pay for it all themselves if need be.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

Today we look at the movie Batman vs. Superman. In a fairly early scene, we see one of Bruce Wayne’s buildings come down. We have a few thoughts on the matter:

-Is Bruce Wayne self insured? He is a billionaire, surely he could set aside a few million for coverage for his buildings. But he’s also quite brilliant—perhaps he knows that he has a high exposure in a city like Gotham (or Metropolis, which might be where this particular scene happened), and thus would purchase some high quality insurance to back him up.

– Is an alien attack covered? If he has an open peril policy and alien attacks aren’t specifically excluded, then yes, the attack is covered for all the property damage.

-Would the liability damage from the building falling be on Mr. Wayne or on the aliens. We would say the aliens, because they are the primary cause of loss. But then, taking the aliens to court to get a big payout probably wouldn’t do anyone any good.

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.